Debt collectors are regulated by the FTC on the federal level. At the state level, attorneys general are typically responsible for enforcing state and federal laws. A few local governments also separately regulate debt collectors. The laws that govern the ARM industry are civil, meaning that liability is almost always monetary. So a state’s attorney general will not file criminal charges against a debt collector accused of violating the law, rather, he/she will sue for damages. Collection laws include federal and state statutes that govern the proper operation of companies and personnel that work in the debt collection industry. The most comprehensive collection law is the Fair Debt Collection Practices Act (FDCPA). Other federal laws that collectors must follow include the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA) and the data security requirements of the Gramm–Leach–Bliley Act (GLBA).
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Congress Passes Major Financial Reform Bill, ABA Remains Staunchly Opposed
25 June 2010
Legal Experts Indict Flaws in Anti-ARM Report
23 June 2010
A Powerful Group Aligns Against the ARM Industry
22 June 2010
ACA Mounts Challenge, Gathers Allies Against Proposed FCC TCPA Rule
18 June 2010
Collection Letterhead Can be an FDCPA Violation, Judge Rules
18 June 2010
NY Statewide Coalition Urges Legislature to Curb ARM Industry Abuses
17 June 2010
State Amendments on Court Fees Would Hurt Large Debt Collection Law Firms
17 June 2010
Understanding Court Costs and Suit Fees in Collection Litigation
16 June 2010
Collection Law Firm Victorious Against State in Supreme Court Case
15 June 2010
Collectors Receive Clarification on New York City ARM Rules
14 June 2010
FTC Head to Address ARM Industry, Take Questions
11 June 2010
West Virginia AG Announces $75,000 Settlement with Collection Agency
10 June 2010
Noble Systems Responds to Proposed TCPA Changes
9 June 2010
FDCPA Lawsuits Against Collectors Averaging More than 800 Per Month
9 June 2010
Countrywide/Bank of America Will Pay $108 Million for Overcharging Struggling Homeowners
8 June 2010
Asset Acceptance Capital Corp. Secures Amended Credit Facility
7 June 2010
West Virginia Attorney General Sues Two ARM Companies
4 June 2010
NY AG Cuomo Files Lawsuit to Shut Down Another Debt Collector
2 June 2010
Jury Hands Down $1.5 million Verdict Against Debt Collection Agency
1 June 2010
FTC Extends Enforcement Deadline for Identity Theft Red Flags Rule
1 June 2010
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